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In most cases, you can get it fixed yourself. When the insurance company totals out a car, that is all they themselves are willing to pay. If you want to pay to have it fixed yourself, most won't care, but your rates may still change depending on the circumstances of the accident.

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Q: If the insurance company totals your car do you have to accept it or do you have an option to have it fixed?
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After an accident that was not your fault if the other party's insurance company totals your bike do you still get to keep your bike?

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If an insurance company totals your car can you get a new car?

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